To continue Busting the Myths of Infertility, in this case the myth that ART treatment is covered by insurance, I decided to participate in the Dollars and $ense of Family Building blog carnival hosted by Lori at Write Mind, Open Heart.
- Consider your now or future children as adults, and consider the fact that you had to spend money to either conceive them or make them part of your family. What effect do you think the latter will have on the former one day? What, do you think, your grown children might feel about the funds it took to create your family?
- All I can do is imagine myself and my reaction in that type of situation. If it were me, I think I would think it was totally worth it! :-) Joking aside, if nothing else, they may think that it is crazy, but I hope my children see how very much they were wanted.
- How did/would you handle it if your child asks you, “Mom, how much did I cost?” How would you answer at age 7? At age 18?
- I think if my kids asked how much they'd cost, I'd be pretty honest with them and tell them. (That goes for the price of the twin's NICU stay as well.) I'd end with the "you were worth every single penny" statement also.
- When calculating the costs of your family building, what do you include? The direct costs are easy (such as RE fees for a cycle or homestudy fees), but what about fees that didn’t directly lead to your child’s existence in your life, such as cycles that didn’t work, adoption outreach avenues that didn’t work, failed adoptions, avenues that were explored (and that cost something) but not pursued, etc.?
- In our case, most of the costs for our family building were directly related to doctors and procedures. In total, we did 3 IUIs, 5 fresh cycles of IVF, a laparoscopy surgery, and 2.5 FETs. Along with that, I did a year of acupuncture and took a wide variety of herbs and supplements recommended by the acupuncturist before the twins were born. None of what we did, with the exception of the IUIs and the lap, were covered by insurance. None. The IUIs and the meds for IUIs only were covered at 50%. The laparoscopy was actually the cheapest thing I did throughout the entire process. I spent a whopping $250 for it.
- I include everything--the unsuccessful and successful attempts--when calculating the total costs of our family building. (I've not sat down and calculated the exact amount we spent. I am somewhat afraid to really. I know that the amount we claim every year on our taxes makes me sick to my stomach, and that is only a single year's total. I'd probably have a stroke if I knew the entirety of our expenses. Sigh. I wish it didn't take so much from our lives financially to build our family.)
- The other "expense" I also include is the emotional cost of our infertility journey. It was a long hard road. I could have done without the emotional toll on our lives, thank you very much. I'd do it all again if it was the only way to get to my boys, but it would have been nice had we not had to in the first place. Does that make sense?
- If two children in a family “cost” different amounts, should that have any significance?
- The short answer is no, it doesn't have any significance.
- The long answer is that I don't see our family in terms of "cost" per child. Instead, I see the money we spent on our ART treatments as the "cost" of creating our family. In that respect, it doesn't really matter which child/children cost more.
- To what extent have finances determined the family-building decisions you have made? How have you able to balance financial considerations against other factors such as medical, ethical, emotional…?
- In our case, we didn't really establish a maximum amount we'd spend on creating our family. For us, we set out to reach our goal. In doing so, we juggled whatever we could to continue funding our treatments. I got very good at getting creative, especially with the last several IVFs. I researched credit cards with zero percent interest rates and used them. We had very little in savings for a long time. We even lived on hot dogs for a while to save money. In the beginning, though, we took out a second loan on our house to help finance our family building.
- I think because we were paying for everything ourselves, we were probably more aggressive in our treatment, especially in the number of embryos we transferred, than we might have been had our treatment been covered by insurance. In total, we transferred 21 embryos. (OMG, I just counted that. I hadn't realized we transferred that many.) Only transferring one at a time wasn't something we could financially justify. We had to give ourselves optimal chances to achieve pregnancy because of the financial strain.
- Has institutional and governmental support for certain family-building paths impacted your choices? For example, ART being covered by insurance, tax deductions for adoption expenses, etc.
- We got very little help financing for our treatments. Like I said before, IVF was not covered by insurance for us. 3 IUIs and the meds for IUIs only were covered at 50%. That is it.
- We did take advantage of itemizing our medical expenses on our taxes and managed to get a hefty tax refund each year, but that was really all we got as far as support. :-/



















